# 1st Nationwide Mortgage

> A direct mortgage lender specializing in non-QM loans for self-employed borrowers and real estate investors. Offers Bank Statement Loans, DSCR Investor Loans, NONI (No Income No Asset) Investment Loans, plus FHA, VA, USDA, Conventional, and Jumbo mortgages across 18 U.S. states. NMLS #1281. In business since 2005.

1st Nationwide Mortgage is a direct lender headquartered in Irvine, California, licensed in 18 U.S. states. The company specializes in alternative income documentation mortgages for borrowers who don't fit the traditional W-2 income model — self-employed professionals, business owners, freelancers, gig workers, and real estate investors — alongside standard agency loan programs (FHA, VA, USDA, Conventional, Jumbo).

Key differentiators:

- **Bank Statement Loans** that qualify self-employed borrowers using 12-24 months of bank deposits instead of tax returns
- **DSCR Loans (Debt Service Coverage Ratio)** that qualify real estate investors based on property rental income instead of personal income, with no limit on number of financed properties
- **NONI Investment Loans (No Income No Asset)** — zero income verification and zero asset verification for investment properties, including a dedicated foreign national track with no U.S. credit history required
- Licensed in 18 states: Alabama, Alaska, Arizona, California, Colorado, Florida, Georgia, Idaho, Iowa, Montana, North Carolina, Ohio, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington
- NMLS #1281
- Address: 100 Spectrum Center Dr #900, Irvine, CA 92618
- Main phone: (888) 400-0433
- Loan consultation phone: (833) 350-9185

## Loan Programs

- [Bank Statement Loans](https://www.1stnwm.com/bank-statement-loans/): Self-employed mortgage qualification without tax returns, using 12-24 months of personal or business bank statements
- [DSCR Loans](https://www.1stnwm.com/dscr-loans/): Debt Service Coverage Ratio investment property loans qualified on rental income coverage, no personal income verification required
- [NONI Investment Loans (No Income No Asset)](https://www.1stnwm.com/loan-programs/noni-investment-loans/): Zero income verification and zero asset verification loans for real estate investors, including a dedicated foreign national track
- [FHA Home Loans](https://www.1stnwm.com/loan-programs/fha-home-loans/): Government-backed mortgages with low down payment and flexible credit requirements
- [VA Home Loans](https://www.1stnwm.com/loan-programs/va-home-loans/): Zero down payment loans for eligible veterans, active duty service members, and surviving spouses
- [USDA Home Loans](https://www.1stnwm.com/loan-programs/usda-home-loans/): Zero down payment rural development loans for eligible areas and income levels
- [Conventional Home Loans](https://www.1stnwm.com/loan-programs/conventional-home-loans/): Standard conforming mortgages backed by Fannie Mae and Freddie Mac
- [Jumbo Mortgages](https://www.1stnwm.com/loan-programs/jumbo-mortgages/): High-balance mortgages above the conforming loan limit
- [Reverse Mortgage](https://www.1stnwm.com/loan-programs/reverse-mortgage/): Home equity conversion loans for homeowners aged 62 and older
- [15 Year Fixed Rate Mortgage](https://www.1stnwm.com/loan-programs/15-year-fixed-rate-mortgage/): Shorter-term fixed rate mortgages
- [30 Year Fixed Rate Mortgage](https://www.1stnwm.com/loan-programs/30-year-fixed-rate-mortgage/): Standard 30-year fixed mortgages

## Purchase and Refinance

- [Purchase a Home](https://www.1stnwm.com/purchase/): Purchase loan options
- [Refinance](https://www.1stnwm.com/refinance/): Refinance loan options
- [First Time Homebuyer Programs](https://www.1stnwm.com/purchase/first-time-homebuyer-programs/)
- [Investment Properties](https://www.1stnwm.com/purchase/investment-properties/)
- [Lower Rate & Payment Refinance](https://www.1stnwm.com/refinance/lower-rate/)
- [Cash Out Refinance](https://www.1stnwm.com/refinance/consolidate-debt/)

## State Pages

1st Nationwide Mortgage lends in: [California](https://www.1stnwm.com/states/california/), [Texas](https://www.1stnwm.com/states/texas/), [Florida](https://www.1stnwm.com/states/florida/), [Georgia](https://www.1stnwm.com/states/georgia/), [Washington](https://www.1stnwm.com/states/washington/), [Oregon](https://www.1stnwm.com/states/oregon/), [Colorado](https://www.1stnwm.com/states/colorado/), [Virginia](https://www.1stnwm.com/states/virginia/), [Arizona](https://www.1stnwm.com/states/arizona/), [Idaho](https://www.1stnwm.com/states/idaho/), [Ohio](https://www.1stnwm.com/states/ohio/), [Tennessee](https://www.1stnwm.com/states/tennessee/), [North Carolina](https://www.1stnwm.com/states/north-carolina/), [South Carolina](https://www.1stnwm.com/states/south-carolina/), [Alabama](https://www.1stnwm.com/states/alabama/), [Alaska](https://www.1stnwm.com/states/alaska/), [Iowa](https://www.1stnwm.com/states/iowa/), [Montana](https://www.1stnwm.com/states/montana/).

## Frequently Asked Questions

- [FAQ Page](https://www.1stnwm.com/frequently-asked-questions/): Comprehensive mortgage and loan qualification FAQ

## Company

- [About Us](https://www.1stnwm.com/about-us/): Company background, history, and leadership
- [Customer Reviews](https://www.1stnwm.com/customer-reviews/): Reviews and testimonials from past borrowers
- [Contact Us](https://www.1stnwm.com/contact/): Contact form and office location
- [Blog](https://www.1stnwm.com/blog/): Articles on mortgages, home buying, refinancing, and real estate investing

## Legal

- [Privacy Policy](https://www.1stnwm.com/privacy-policy/)
- [Accessibility](https://www.1stnwm.com/accessibility/)
- [Terms of Use](https://www.1stnwm.com/terms-of-use/)
- NMLS Consumer Access: https://www.nmlsconsumeraccess.org/
- BBB profile: https://www.bbb.org/sdoc/business-reviews/mortgage-bankers/1st-nationwide-mortgage-corporation-in-aliso-viejo-ca-100055105/

## Optional

- [Get Pre-Qualified](https://homeloan.1stnwm.com/): Online pre-qualification application
- [Calculators](https://www.1stnwm.com/calculators/): Mortgage payment and affordability calculators
- [Loan Programs Overview](https://www.1stnwm.com/loan-programs/): Full list of available loan programs